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I am paying about 81 every 2 weeks for a high deductible (HSA eligible) family medical plan plus just over 22 for family dental every 2 weeks. My company covers about 80% of the total premium for medical, and about 60% for dental.
Premiums differ across these plans for a variety of specific reasons:
Plan Tiers (Metal Levels & Networks): Plans with lower deductibles and broader access to doctors (like PPOs) require higher monthly premiums. Conversely, High-Deductible Health Plans (HDHPs) offer lower premiums in exchange for more out-of-pocket spending during care.
Family Size & Dependents: Insuring a spouse or children increases the potential for claims, driving up your premium. Employers typically subsidize employee premiums more heavily than those for dependents.
Employer Subsidies: Employers set their own contribution percentages, which dictates how much of the total premium they will pay versus what they pass onto you. To steer employees toward more cost-effective plans, an employer might intentionally increase the premium on a richer, more expensive plan.
Group Claims History: Employer-sponsored plans undergo annual renewals. If an employee group (or overall industry) has high medical utilization or a history of expensive claims, the insurer will raise rates.